Time for Pakistan to implement Java for payments.
When ever i want to order something online, i give the usual stuff, card number etc.
When i click "Buy" or "Proceed", normally payment goes through, but not in 3D-secure java case.
I have a little device, i type in a pin which i got from the bank, and it generates a 8-digit code, a new code for every use.
After that, i have to type a fixed password too, which makes it even more secure.
And ABL in my area, their ATM is closed on sundays, and sometimes on saturday 